$1,499,000
109 Tern Drive
Anna Maria, FL 34216
Listing updated: May 30, 2026 at 7:00 AM ET
Listing courtesy of Sato Real Estate Inc. · Justin Powell · MLS #A4685406 · Active · 941-778-7200Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage space
Flood zone
About this home
Love the beach and love to boat? Delightful waterfront home with direct access to open water. Located on the famed North end of Anna Maria Island. This 2 bedroom 2 bathroom home offers incredible opportunities for adventure. Whether it is the sand of the Gulf beaches you seek or if enjoying the water from a boat, kayak, or paddle board is your thing the choice is yours. Another incredible benefit of this location is the proximity to Pine Ave, full of fun shopping and eateries. Generously sized lot is positioned on a cul-de-sac providing privacy due to no through traffic. Concrete block paired with a metal roof creates a formidable structure. As you enter the home you will be welcomed by a sense of coziness. The kitchen features solid wood cabinetry and exquisite Taj Mahal quartzite countertops. Entertaining is aided by the in-ceiling home speaker system. Enjoy year around serene water views from the 300 square foot screened-in lanai equipped with four ceiling fans. Single car garage for all your storage needs or get creative for a possible third bedroom. The large lot leaves ample room for a pool to the front of the house. Schedule a showing today and discover if this piece of paradise if right for you.
Local Insight
At $1.2M per square foot, you're paying a premium that's almost entirely driven by the waterfront location and direct water access—this 1968 cottage is small and dated, so you need to genuinely value being on the water to justify the price. The AE flood zone is a serious consideration that will affect insurance costs, resale, and your ability to finance or insure the property, so get pre-approved with a lender familiar with Anna Maria Island before falling in love. For this money in a non-flooded area you could buy something nearly twice the size, so this only makes sense if waterfront living on this island is non-negotiable for you.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history79 days on market
- Status: ActiveMar 12, 2026
- Listed$1,499,000Mar 12, 2026
- Price increased$1,499,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 79
- Subdivision
- Luana Isles
- County
- Manatee
- Year built
- 1968
- Living area
- 1,223 sq ft
- Price/sq ft
- $1,226
- Building area
- 1,927 sq ft (Public Records)
- Lot size
- 7,500 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE
- Garage
- 1 spaces
- Annual taxes
- $17,706 (2025)
- Parcel #
- 6901000007
- Zoning
- R1
- MLS #
- A4685406
Ask about this home
Have a question? Ask the broker directly.
Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.
Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Carpet, Ceramic Tile, Tile
- Appliances
- Dishwasher, Disposal, Electric Water Heater, Microwave, Refrigerator
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, Solid Surface Counters, Solid Wood Cabinets, Thermostat, Window Treatments
- Laundry
- In Garage
- Stories / Levels
- One
- Direction faces
- South
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 1
- Attached garage
- Yes
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Min lease term
- 1-7 Days
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Follow City of Anna Maria's rental/lease guidelines.
Exterior & Construction
- Exterior features
- Private Yard, Rain Gutters, Storage
- Construction materials
- Block
- Roof
- Metal
- Foundation
- Slab
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Electricity Connected, Sewer Connected, Water Connected
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 9x18 |
| Living Room | First | 16x15 |
| Dining Room | First | 9x9 |
| Primary Bedroom | First | 12x12 |
| Bedroom 1 | First | 11x11 |
Listing Details
- Listing date
- 2026-03-12
- On market date
- 2026-03-12
- Original list price
- $1,499,000
- Occupant type
- Vacant
- MLS area
- 34216 - Anna Maria
- Listing AOR
- Sarasota - Manatee
- Status changed
- 2026-03-12
- Tax legal description
- LOT 63 BLK D LUANA ISLES PI#69010.0000/7
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
North on Gulf Dr, Right on Pine Ave, Left Crescent Dr, Left Gladiolus St, Left Tern Dr, home is on the right.
More homes like this
$1,290,000
216 Gladiolus St
Anna Maria, FL 34216
3 bd · 2 ba · 1,218 sqft
Luana Isles
MLS ID #A4682103, CAPOZELLA REAL ESTATE.
Listing provided by Stellar MLS
$1,595,000
413 Poinsettia Rd
Anna Maria, FL 34216
2 bd · 2 ba · 1,800 sqft
Luana Isles
MLS ID #A4677921, SATO REAL ESTATE INC..
Listing provided by Stellar MLS
$1,750,000
270 Gladiolus St
Anna Maria, FL 34216
3 bd · 2 ba · 1,326 sqft
Luana Isles
MLS ID #A4682093, MICHAEL SAUNDERS & COMPANY.
Listing provided by Stellar MLS
$1,945,000
228 Gladiolus St
Anna Maria, FL 34216
3 bd · 2 ba · 1,458 sqft
Luana Isles
MLS ID #A4690821, PINEYWOODS REALTY LLC.
Listing provided by Stellar MLS
Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of May 30, 2026 at 7:00 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA